Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Vermont. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
Vermont USDA Loan Limits – Guaranteed Loans
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Addison County, VT | $306,000 | $408,000 |
| Bennington County, VT | $306,000 | $408,000 |
| Burlington-South Burlington, VT MSA | $374,000 | $466,000 |
| Caledonia County, VT | $306,000 | $408,000 |
| Essex County, VT | $306,000 | $408,000 |
| Lamoille County, VT | $306,000 | $408,000 |
| Orange County, VT | $306,000 | $408,000 |
| Orleans County, VT | $306,000 | $408,000 |
| Rutland County, VT | $306,000 | $408,000 |
| Washington County, VT | $323,000 | $408,000 |
| Windham County, VT | $306,000 | $408,000 |
| Windsor County, VT | $306,000 | $408,000 |
